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Your Texell Guide 2026.240

Revised September 2026

Check all the boxes.

Checking

Texell offers checking accounts that make life easier. No matter what you are looking for, we have an account that ﬁts your needs, and every account comes with our BONUS Rewards Program.�

COMPARISON OF CHECKING ACCOUNT FEATURES FEATURES

CHOICE CHECKING

CHOICE PLUS CHECKING

CHOICE ADVANTAGE CHECKING

Recommended For

Members who want a checking

Members who want to earn

Members who want to

account without having to

dividends with a low minimum

earn higher dividends

worry about any monthly fees

balance requirement

and enjoy extra perks

Early payday with direct deposit1 Contactless Visa® BONUS Debit Card with rewards points Free Access to over 92,000 ATMs worldwide Digital Banking with free Mobile Deposit² Account Alerts through Digital banking Transfer Protection from Savings/Credit Card Accounts insured up to $500,000³ Earn interest with Monthly Dividends

Tiered Rates

One Free Box of Checks a Year Free Cashier’s Checks & Incoming/ Outgoing Wires No foreign ATM fees

Monthly Service Fee

$5*

$15*

Minimum to Open

$15

Minimum Daily Balance to Waive Fee

$500

$10,000

Minimum to Earn Dividends

$500

*Waived with minimum daily average balance requirement

BONUS

Rewards

TEXELL’S CONTACTLESS VISA® BONUS DEBIT CARD EQUALS CONVENIENCE PLUS REWARDS.

Receive 1,500 BONUS Points when you complete at least 30 transactions within 60 days of account opening.

Invested in learning more?

Earn 1 point for every $4 you spend on credit purchases (signature-based). Choose your reward—whether it’s cash, merchandise, gift cards, or tickets to a destination of your choice. Redeem your points quickly by logging into Digital Banking and selecting BONUS Reward Points in the menu.

Questions? Send a secure message in Digital Banking or text or call 254.773.1604.

WE HAVE A VIDEO FOR THAT!

¹ With Early Payday Texell may make incoming ACH direct deposit funds available to you up to 2 days before the scheduled payment date. The early availability of direct deposits depends on the timing of submission by the payer and is not guaranteed. Some direct deposit types may be ineligible for early access at Texell's discretion. Early availability may be impacted by fraud prevention screening, and Texell may set limits on the amount of funds that may be made available to you early. ² Restrictions apply for Mobile Deposit. ³ Your deposits are federally insured for $250,000 and backed by the full faith and credit of the National Credit Union Administration, a U.S. Government agency. Your deposits are insured for an additional $250,000 through private insurance provided by Excess Share Insurance Corp.

Savings

Texell offers savings accounts that check all the boxes. Earn interest on your deposits whether you are saving for college, vacation, or a rainy day. These funds are accessible to you and safely insured up to $500,000¹. Only $5 is required to open your savings account², and that $5 will stay on deposit for the life of your account.

NO MONTHLY SERVICE FEES. COMPETITIVE DIVIDEND RATES³ MANAGE YOUR ACCOUNT EASILY THROUGH DIGITAL BANKING.

SAVE FIRST ACCOUNT Power your emergency fund with a savings account designed speciﬁcally for emergency savings and offers a high-yield, enhanced rate. Learn more: Texell.org/SaveFirst.

COLLECTING INTEREST? TAP TO WATCH OUR COMPREHENSIVE VIDEO

¹ Your deposits are federally insured for $250,000 and backed by the full faith and credit of the National Credit Union Administration, a U.S. Government agency. Your deposits are insured for an additional $250,000 through private insurance provided by Excess Share Insurance Corp. ² If you are a new member, you will only pay a $5 lifetime membership fee. ³ Must meet minimum balance requirements to earn dividends.

COMPARE SAVINGS, MONEY MARKET, SAVE FIRST, AND CERTIFICATES (CDS) FEATURES

SAVINGS

MONEY MARKET

SAVE FIRST

TERM SHARE CERTIFICATES (CDS)

Recommended For

Members who want to be ready for any ﬁnancial surprise.

Members who want to lock in the best rates for a term they choose.

Every member enrolled at Members who want to earn higher dividends but keep Texell to hold ownership their funds easily accessible. in the Credit Union Monthly Service Fee

Minimum to Open

$2,500

$1,000

Minimum to Earn Dividends

$100

$2,500

$0.01

$1,000

Dividends Paid

Quarterly

Monthly

Quarterly

Rates

Competitive rate earned with average daily balance above $100.

Tiered rate depending on account balance.

Tiered rate depending on term selected. (Terms from 6 months to 5 years).

Dividend Options

Deposited to account.

Deposited to account or transferred to another Texell account.

Deposited to account or transferred to another Texell account. Penalty for early withdrawal. Terms auto-renew.

Additional Information

Investments Whether retirement is on your mind or years away, our ﬁnancial experts can help you ﬁnd the right options to secure your future. We offer both Traditional and Roth Individual Retirement Arrangements (IRAs) that check all the boxes, including: Competitive dividend rates¹ on IRA Savings Accounts and IRA

Deposit with $1,000 or more.

Certiﬁcates of Deposit. No setup or maintenance fees. Monitor account through Digital Banking. Open an IRA Savings Account with a minimum $5 deposit.

Qualiﬁed individuals may deposit up to $7,500 annually, or $8,600 annually for individuals 50 years or older. Insured up to $500,000².

Contributions to Traditional IRAs may be tax-deductible, and dividends are not taxed until withdrawn. Qualiﬁed withdrawals to Roth IRAs are tax-free. Consult your tax advisor for more information.

¹ You must maintain the disclosed minimum daily balance in your account to obtain the disclosed Annual Percentage Yield. You will not earn dividends on any day your account balance is below the required minimum daily balance. 2

Your deposits are federally insured for $250,000 and backed by the full faith and credit of the National Credit Union Administration, a U.S. Government

agency. Your deposits are insured for an additional $250,000 through private insurance provided by Excess Share Insurance Corp.

In today’s healthcare environment, it is essential to manage expenses. The U.S. Congress created tax-advantaged Health Savings Accounts (HSAs), which allow members with high-deductible insurance plans (HDHP) the ability to build savings for medical expenses for themselves and their families. You can open an HSA at Texell with just $5 and access HSA funds conveniently with your VISA® debit card and Bill Pay service.

Have a qualified high-deductible health plan (HDHP).

Whether you're looking for premium points and rewards, low rates, or to build credit, Texell's credit cards are designed to help you achieve your goals.

SIGNATURE BONUS

PLATINUM BONUS

ASPIRE

Great For

High credit limit with rewards

Low rates with rewards

Building credit

Credit Limit

Up to $50,000

Up to $25,000

Up to $2,500

Sign-up Bonus

50,000 BONUS Points when you spend $5,000 in the ﬁrst 90 days¹

Not offered

Bonus Reward Points

Earn 2 points on utilities, charities, and memberships, plus 1.25 points on everyday purchases²

Earn 1 point on everyday purchases2

Does not earn rewards

Intro Purchase APR

0% intro APR for 6 months. After that the variable APR can be found here

Not offered

4.99% intro APR for 24 months. After that the variable APR can be found here

0% intro APR for 6 months. After that the variable APR can be found here

Not offered

Cash back, gift cards, brand name merchandise, travel, and event tickets

Does Not Earn Points

Intro Balance Transfer APR Annual Fee Redeem Points For Contactless Pay

Yes — tap and go!

Digital Wallet

All cards can be used with Samsung Pay™, FitBit Pay™, Android Pay™, Apple Pay®, and Garmin Pay™

ADDITIONAL BENEFITS: All credit cards include zero liability and lost or stolen card reporting. Signature BONUS and Platinum BONUS Credit Cards include cardholder inquiry service, emergency card replacement, emergency cash disbursement, and ID Navigator by Norton® Lifelock. Signature BONUS Credit Cards include $500 cell phone protection, roadside dispatch, year-end summary, and travel and emergency assistance services..

¹ With approved credit. You will earn 50,000 BONUS Reward Points if you spend at least $5,000 within 90 days of your card open date. Once you qualify for this bonus, we will apply it to your reward points balance within 60 days. 2

No points earned for fees, cash advances, ATM withdrawals or balance transfers posted to your account. For complete BONUS

Reward program details, visit Texell.org.

Credit Cards

No matter where you are in your ﬁnancial journey, Texell has a credit card to check all the boxes.

Auto & Vehicle Loans

Whether you are purchasing a new or preowned vehicle, Texell offers the best rates on all auto loans and an easy online application. LOANS FOR NEW OR PREOWNED CARS, MOTORCYCLES, BOATS, & RVS.1 LOW, FIXED RATES & FLEXIBLE TERMS. QUALIFIED LOANS ARE ELIGIBLE FOR SKIP-A-PAY TWICE A YEAR. QUICK ONLINE APPLICATION. FAST AND EASY APPROVALS.

UP TO 100% FINANCING.

Texell also offers loans for agricultural equipment, personal watercraft, and options to build or rebuild credit.

1All loans are subject to credit approval and individual rates will vary.

This insurance policy pays off the loan balance to the credit union and offers a Funeral Concierge service in case of the member’s death. This insurance policy makes the monthly loan payment to the credit union to reduce or pay off a loan if the member becomes disabled by a covered sickness or accident. This insurance policy makes the monthly loan payment to the credit union if a member becomes involuntarily unemployed due to a layoff, strike, termination, unionized labor dispute, or lockout. This feature pays the difference between the actual cash value of the vehicle and what remains on the loan for an automobile, RV, boat, or motorcycle in the event the vehicle is totaled or stolen before the ﬁnal payment. Extended Warranty provides valuable protection against the costs of most unexpected mechanical repairs.

BIG PLANS? TAP TO LEARN MORE

Texell Home Loans

Texell's Home Loan Heroes help you make an informed decision on one of the biggest investments of your life. Our mortgage experts walk you through each step, answer your questions, and help you achieve the dream of homeownership.

LOAN PROGRAMS First-time homebuyer

Jumbo loans

Medical Professional loans

Home equity

Land loans

Conventional

FHA, VA, and USDA

Reﬁnance

YOU’RE IN THE HOMESTRETCH! TAP THE LINK TO LEARN MORE!

Take the Next Step in

HOMEOWNERSHIP When you’re with Texell, you’re not a customer—you’re a member who receives personalized consideration and service on your loan application. We offer a variety of mortgage solutions at highly competitive rates with low closing costs. Our Home Loan Heroes take the time to get to know your situation and ﬁnd the ﬁnancing option that works best for you.

Expert Advice

Low Rates 1

Low Fees

Low Down Payments

Easy online application & preapproval Contact Texell Home Loans | 254.774.5104 | TexellHomeLoans.com

NMLS #460152 1With approved credit.

We have tools to launch or grow your business, including:� BUSINESS CHECKING & SAVINGS ACCOUNTS�

BUSINESS CREDIT CARDS

BUSINESS FINANCING

COMMERCIAL INSURANCE POLICIES

BUSINESS MONEY MARKET ACCOUNTS

BUSINESS CHECKING Texell’s Business Checking Accounts check all the boxes including contactless VISA® Debit Cards, easy access to your accounts, and Bill Pay offered through Digital Banking.

Great For

SMALL BUSINESS

LARGE BUSINESS

COMMUNITY

Simple checking account that

Checking account for

Simple checking account to

covers all small business’ needs

growing businesses with

cover all nonproﬁts’ needs

larger transaction needs $0.00 to $10.00

$0.00 to $20.00

$5.00

Minimum Daily Balance to Waive Monthly Fee

$2,500.00

$5,000.00

N/A

Debit Card Transactions

Unlimited

250

500

150

Excess Check Transactions

$0.30/item

Interest Paid

No Interest

Monthly Fee

Free Transfers, Checks, & ACH Transactions

COMMERCIAL LOANS Texell’s Commercial experts guide you to make loan decisions that fit your needs, including: COMMERCIAL REAL ESTATE EQUIPMENT LOANS CONSTRUCTION & DEVELOPMENT LINES OF CREDIT WORKING CAPITAL ACQUISITION SBA 7(A) & 504 LOANS

LET’S TALK BUSINESS! TAP THE LINK TO LEARN MORE!

Business Banks on Texell

At Texell, every business gets big business treatment.

Texell Insurance

As an independent insurance agency, Texell Insurance partners with multiple top-rated carriers to provide tailored insurance solutions for your needs.

INSURANCE SERVICES As an independent insurance agency, Texell Insurance offers a complete line of insurance solutions from top-rated carriers, allowing members to compare multiple policies at one time.

AUTO

HOME/RENTERS

BOAT/MOTORCYCLE/RV�

UMBRELLA

LONG TERM CARE

COMMERCIAL AUTO

BUSINESS

GENERAL LIABILITY

ADDITIONAL COVERAGE FOR PETS, WEDDINGS, & VACATIONS

Texell also offers a Medicare Education program to equip you with the necessary tools and insights to make an informed comparison between insurance plans and quotes. Visit Texell.org/Medicare or call 254.318.3929 to discuss your options.

WANT TO LEARN MORE? WE HAVE YOU COVERED!

WHY CHOOSE TEXELL INSURANCE? COMPETITIVE RATES & EXCEPTIONAL SERVICE LOCAL, TRUSTED AGENTS INDEPENDENT AGENCY, WHICH EXPANDS YOUR CARRIER OPTIONS TO FIND THE BEST POLICY FOR YOU COMPLIMENTARY INSURANCE REVIEW AT EACH RENEWAL PERIOD TO ENSURE YOUR COVERAGE CONTINUES TO MEET YOUR NEEDS AND YOUR RATE REMAINS COMPETITIVE Texell Financial, LLC is a wholly owned subsidiary of Texell Credit Union and does business as Texell Insurance. Insurance products are not issued, guaranteed, underwritten, or insured by Texell Credit Union or the National Credit Union Administration.

CONTACT

Texell Insurance 254.774.5181 TexellInsurance.com

COMMERCIAL INSURANCE Protect your business with insurance coverage tailored to your needs.

GENERAL LIABILITY COMMERCIAL AUTO BUSINESS OWNER POLICY LANDLORD POLICIES

LEARN HOW WE

COMMERCIAL PROPERTY

CAN LEND A HAND!

Texell Financial, LLC is a wholly-owned subsidiary of Texell Credit Union and does business as Texell Insurance. Insurance products are not issued, guaranteed, underwritten, or insured by Texell Credit Union or the National Credit Union Administration.

Dollar Squad

Texell’s Dollar Squad Account offers a way to teach money management for ages 12 and under with a savings account and activities to make saving fun! Our accounts for kids offer:

Waived membership fee.

Birthday greetings from the Dollar Squad.

Quarterly newsletters with fun games & helpful info about saving money.

Coloring and activity books are available to Squad Members.

With every deposit, kids earn Squad Dollars to purchase fun prizes at the Dollar Squad Store.

Dividends compounded quarterly on balances of $5 or more.

WE DON’T KID AROUND! WATCH OUR VIDEO TO LEARN MORE!

Visit the

Dollar Squad Store Reward yourself for saving money by shopping at the Dollar Squad Store! Scan the QR code to create your account and check out the fun prizes that are shipped directly to your doorstep.

SHOP TODAY!

When the threat of frivolous spending is real, an elite group of heroes rise up to teach kids the value of a dollar.

SPENDY

EARNIE

CHARITY

SAVVY

CHARGER

MOOCH

CASH Texell.org/DollarSquad

thr!ve Thr!ve Teen Accounts are designed exclusively for ages 13–17. Not only do these accounts help develop the skills required to become ﬁnancially independent—they also offer excellent beneﬁts and rewards along the way!

GREAT

for parents! Membership fee waived. No minimum balance requirement. No monthly fees. Only $5 to open. Ability to track activity as a cosigner on the account. Competitive interest rates on balances up to $500 and interest rates on balances above $500.

Texell.org/thrive

GREAT

for teens! Free online account access via Digital Banking. Free Mobile Deposit. $10 Starbucks gift card as a thank you for opening your account. Access to over 92,000 free ATMs worldwide. Gifts for account anniversaries*.

*Gifts with qualifying account activity.

CLICK TO LEARN MORE!